The Loan Process

Learn more about the mortgage process so that when you begin shopping for a home,
you know how much you can afford. Some things to consider:
Debt to Income Ratio
Know Debt and Income Sources

Debt to Income Ratio

The amount a lender is willing to lend to financing your purchase factors in your ratio of debt to income, among other things.

FICO Score
Check Your Credit Score

FICO Score

A measure of creditworthiness of an individual, FICO scores are widely used by most lenders in their credit decision.

Down Payment
Set Aside Some Funds

Down Payment

Generally, down payment requirements are made with funds the borrower has saved or from a gifting donor.

Learn more about the loan process (PDF)

Lender Resources

Some resources are in PDF format, requiring Adobe reader.

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